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Bear River Auto Insurance Reviews

Is Bear River Auto Insurance in Utah?

Bear River auto insurance is headquartered in Murray, Utah and was founded in 1909. Bear River auto insurance began as a small company focused on helping farmers obtain affordable insurance. They are now Utah's oldest and largest personal lines auto and home insurance company and have been around for nearly a century and a quarter! Even though they are based in Utah, Bear River auto insurance covers policyholders wherever they travel in the U.S. and Canada.

Bear River Car Insurance Coverages

To reap the benefits of having auto insurance, you need to buy it before you need it. It's best to be safe and have all the right policies in place on the off-chance of an unforeseen car accident occurring. Being insured allows you to transfer the risk of a catastrophic financial loss to the insurance company, and Bear River Mutual has many coverages to choose from.

  • Bear River 24/7 roadside assistance can help with towing, locksmith services and gas deliveries.
  • Bear River Comprehensive and Collision coverage provides accident-related repairs or coverage for the value of the vehicle should damages be that high. For example, Collision Coverage protects you from accidental damages caused by a collision (regardless of who is at fault) and comprehensive coverage helps repair damages caused by events out of your control such as theft, vandalism, fire, flooding, an animal collision, etc.
  • Bear River Home insurance through Bear River Mutual insures only homes in Utah. Utah is prone to high-risk weather but they do not fault homeowners for this, they don't base their rates on claims for homes built in hurricane zones or high tornado-prone areas but instead on local considerations and risk profiles of homeowners.
  • Bear River Liability coverage protects you financially if you were to be sued over an accident that you caused. If you were found liable and are required to pay off medical bills for the injured parties, or required to pay for repairs to property damaged, liability coverage will help cover those costs.
  • Bear River Personal injury protection coverage helps ensure that you have enough coverage to cover the costs of medical bills, lost wages, loss of services, funeral expenses, survivor benefits, etc. after an automobile accident.
  • Bear River Rental car reimbursement will help pay for a rented vehicle if your car is undrivable and needs to be fixed after an accident.
  • Bear River Renter's insurance covers the losses if your possessions are damaged or stolen, if there is an accident or injury in your unit, or if the property you live in should become uninhabitable. Other coverage can include debris removal, repairs, trees & shrubs, etc.
  • Bear River RV, motorhomes and trailers are also covered and insured by Bear River Mutual.
  • Bear River Umbrella insurance provides an extra level of liability coverage if you already have your home and auto policies with Bear River Mutual, they can write umbrella liability limits of $2 million.
  • Bear River Uninsured/underinsured motorist coverage on your policy provides coverage for injuries that were caused by a driver who was not insured or inadequately insured.

Bear River Car Insurance Discounts

Getting the best price for your auto insurance policy will most definitely include the discounts offered because these discounts help bring down your premium. After shopping around for car insurance quotes ask about discounts, which will determine the most affordable car insurance available to you.

There are fewer less known discounts you may need to ask about if you believe you qualify. For example, if it's been a few years since your last accident or moving violation, you probably qualify for a discount on your auto insurance. Ask your agent if you're eligible for lower rates and, while you've got them on the phone, inquire about other discounts that may reduce the amount you pay for your coverage, such as:

  • Accident-Free Safe Driving Discounts: If you have a clean driving record with no DUIs over the past 3-7 years, then you qualify for Bear River Mutual's safe driving discount.
  • Bear Care Direct Repair Program: If you repair your car at a body shop that's part of the Bear Care Direct Repair Program, then Bear River Mutual guarantees the work and provides policyholders with additional benefits.
  • Customer loyalty: Bear River offers discounts for staying with them for a certain number of years.
  • Good Student Discount: If you or your licensed child can keep their school grades high enough, they may qualify for a discount.
  • Higher Deductible Discount: Bear River Mutual allows you to customize the size of your deductible to lower premium costs, so if you want cheaper premiums, then you can increase your deductible to $1,000 or more.
  • Home Safety Equipment Discount: Homeowners that have security systems, fire alarms and fire extinguishers will be offered lower premiums.
  • Multi-Policy Discount: Bear River Mutual offers home insurance, condo insurance, RV insurance, and renter's insurance and if you bundle any of these coverages with your auto insurance, then you will qualify to get a bundling discount.
  • Multi-Vehicle Discount: If you have multiple vehicles registered at the same address and they're all insured with Bear River Mutual, then you could qualify for a multi-vehicle discount.

Is Bear River Car Insurance a Good Company?

Bear River Mutual has its positive and its critiques but overall customer satisfaction and quality provided is great for its price. For example, they have an average Google review rating of 4.7/5 stars and an A- rating from A.M., but also 1.1/5 stars based on 11 reviews on the Better Business Bureau, and 11 complaints closed in the last 3 years and 3 complaints closed in the last 12 months. Looking at different websites and reviews, Bear River Mutual has 3.5/5 stars on Finder, 4.11/5 stars on Clearsurance, 2/5 stars on Yelp, and 4.6/5 stars on WalletHub. Below are a few reviews from each website so you can read both the pros and cons to formulate your own view on what you need:

Finder

Pros: Low rates, local mutual insurance, independent agents, 24 hour roadside assistance

Cons: No online claims, lack of website information

Yelp

Pros: forgiving when it comes to accident claims, car rental service, high collision coverage

Cons: poor customer service, slow to respond

WalletHub

Pros: low premiums, Bear Care Direct Repair Program, good helpful customer service

Cons: lack of website information, hard to contact agent

If you'd rather see what all your auto insurance options are aside from Bear River Auto Insurance, SmartFinancial can compare over 200 rates from top insurers to see which one best fits your needs.

How Much Is Car Insurance in Utah

According to SmartFinancial's statistics, an appealing aspect of life in Utah is its low auto insurance rates, which rank in the 10 cheapest in the nation. Bear River car insurance isn't necessarily the cheapest option, unless you have a very clean record. Comparing rates is always the best way to find the lowest prices for the best insurance plan for you. Below is a rank of the companies that offer the cheapest auto insurance rates:

Rank

Company

Avg monthly rate

1

USAA

$80.76 / month

2

Bear River

$92.90 / month

3

GEICO

$103.57 / month

4

Clearcover

$105.35 / month

5

ACCC Insurance Company

$121.87 / month

6

Farm Bureau Mutual (IA Group)

$123.23 / month

7

Esurance

$123.99 / month

8

Nationwide

$132.15 / month

9

SAFECO

$141.95 / month

10

State Farm

$155.22 / month

11

Auto-Owners Insurance Co

$156.62 / month

12

Allstate

$164.36 / month

13

Unigard

$168.31 / month

14

American Family

$180.92 / month

15

State Auto

$192.66 / month

16

Metropolitan

$194.86 / month

17

Permanent General

$196.41 / month

18

Farmers

$199.83 / month

19

Encompass

$516.54 / month

Below are a few compare and contrast side-by-side rates for drivers in Utah

Cheapest Car Insurance for Good Drivers

Bear River Mutual: $349/year

Auto Owners: $696/year

Geico: $366/year

Safeco: $377/year

USAA: $425/year

Cheapest Car Insurance for Young Drivers

Bear River Mutual: $853/year

Allstate: $1,743/year

Geico: $728/year

Safeco: $945/year

USAA: $1,205/year

Cheapest Car Insurance for Older Drivers

Bear River Mutual: $331/year

Geico: $379/year

Nationwide: $697/year

Safeco: $362/year

USAA: $438/year

Cheapest Car Insurance for Drivers After an Accident

Bear River Mutual: $371/year

Geico: $634/year

Safeco: $626/year

State Farm: $969/year

USAA: $679/year

Cheapest Car Insurance After a DUI

Bear River Mutual: $349/year

Geico: $778/year

Safeco: $716/year

State Farm: $885/year

USAA: $864/year

Cheapest Car Insurance for Drivers with Poor Credit

Bear River Mutual: $494/year

Geico: $621/year

Nationwide: $1,025/year

Safeco: $610/year

USAA: $754/year

Note that these numbers will change greatly if you've had an accident, moving violations, or are a young driver or someone with a DUI. Specialty insurers that work with SmartFinancial may be able to give you a better rate than Bear River Mutual or the insurers listed above. Just enter your zip code to get started.

What Car Insurance Coverages Are Required in Utah?

Utah has a no-fault insurance system for auto-related accidents, which means drivers are covered and compensated no matter who is at fault. Each injured person files the first $3,000 of bodily injury with their insurance company, and when it's fully paid, they can file a claim to recover any additional bodily injury loss from the other party.

In Utah, the following are required:

  • Drivers have to carry proof of auto insurance and present it to any law enforcement officer upon request. If you're pulled over and have no insurance, you'll have to file an SR22 form for the next three years. Or if you're convicted of driving without insurance, your license and vehicle registration may be suspended, have to pay fines ranging from $400-1000, and may be taken in for a class B misdemeanor.
  • Bodily Injury Liability Minimum Coverage: $25,000 per person and $65,000 per accident.
  • Property Damage Liability Minimum Coverage: $15,000 per accident.
  • Personal Injury Protection Minimum Coverage: $3,000 per accident.
  • Uninsured Motorist Minimum Coverage: $25,000 per person and $65,000 per accident.

It's against the law to drive at the following BAC percentages:

  • .02%+ at under 21 years old
  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers

Having car insurance in case of any unforeseen accident will most definitely save you more money and headaches in the long run. So please don't let the cost of insurance override other factors when you're taking out a policy. Cost is a big factor for drivers but if you compare rates with SmartFinancial you can find an affordable premium from Bear River car insurance and other companies.

Get a Free Auto Insurance Quote Online Now.

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